Banks & accounts · 2026

Park your money safely. Watch it grow.

Compare top-yield savings, fee-free checking, and CDs for 2026. Stop paying fees and start earning what you deserve.

Education & Resources: how compounding and FDIC insurance work

Tired of hidden fees?Find your perfect bank match in 1 minute

Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.

Traditional vs. Digital Banks

The trade-off everyone runs into: a branch on every corner, or a rate that actually pays. We pick the pairing; the winner of each row comes straight from the two verified figures, and rows without data crown nobody.

Branch giant vs online-first checking

The biggest branch network in the country against a checking account with no monthly fee.

Branch bank

Chase

Chase Total Checking®

Online-first

Capital One

360 Checking

Monthly feeLower cost to keep it open
APYNo winner
Branch accessMore places to walk in
Fee waiverNo winner

A row is only crowned where both accounts have a figure we verified. Fee waivers are never ranked against each other: which one is easier depends on how you get paid and what balance you keep.

Branch savings vs online-only savings

A savings account you can open at a counter, against one from a bank with almost no counters.

Branch bank

Bank of America

Advantage Savings

Online-first

Marcus by Goldman Sachs

Marcus High Yield Online Savings

Monthly feeLower cost to keep it open
APYNo winner
Branch accessMore places to walk in
Fee waiverNo winner

A row is only crowned where both accounts have a figure we verified. Fee waivers are never ranked against each other: which one is easier depends on how you get paid and what balance you keep.

What a savings account actually pays

Same product, same insurance, two very different rates — this is the row that costs real money.

Branch bank

TD Bank

TD Simple Savings

Online-first

Capital One

360 Performance Savings

Monthly feeLower cost to keep it open
APYMore interest on the same balance
Branch accessMore places to walk in
Fee waiverNo winner

A row is only crowned where both accounts have a figure we verified. Fee waivers are never ranked against each other: which one is easier depends on how you get paid and what balance you keep.

Every account, category by category

28 accounts from 10 U.S. banks. Scroll each row sideways to see the rest of that category.

Bank Match

Three questions, about a minute. It narrows the rows below — it is not financial advice, and nothing you pick is stored.

1What is this money for?

2How do you feel about a monthly fee?

3Do you ever walk into a branch?

28 of 28 accounts match right now.

Top high-yield savings11

Every savings account we track, highest verified APY first. Only some are sold as high-yield — the rest is what a branch bank pays by default, and the gap between the two is the whole point of this row.

Savings ranking

High-yield savingsNo monthly fee
Capital One
360 Performance Savings
5.0
APY
4.10%
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$0/mo
Free ATMs
Not verified yet
255 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
Earns 4.10% APY
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
High-yield savings
PNC Bank
High Yield Savings
3.7Est.
APY
3.15%
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
Not verified yet
Free ATMs
Not verified yet
2,418 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Earns 3.15% APY
Fee waived: No fee, no minimum balance — available in select states…
Monthly fee not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
TD Bank
TD Simple Savings
2.2
APY
0.02%
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$5/mo
Free ATMs
Not verified yet
1,052 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $300+ minimum daily balance, a linked TD checking…
1,052 branches nationwide
Pays 0.02% APY, far below the best in our lineup
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
Wells Fargo
Way2Save® Savings
2.2
APY
0.01%
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$5/mo
Free ATMs
Not verified yet
4,186 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
4,186 branches nationwide
Pays 0.01% APY, far below the best in our lineup
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
Truist
Truist Savings
2.4Est.
APY
0.01%
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
Not verified yet
Free ATMs
Not verified yet
1,931 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
1,931 branches nationwide
Pays 0.01% APY, far below the best in our lineup
Open Account Read Review
Figures verified 2026-08-02 · source
High-yield savingsNo monthly fee
Marcus by Goldman Sachs
Marcus High Yield Online Savings
3.9
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
$0
Monthly fee
$0/mo
Free ATMs
Not verified yet
5 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
$0 minimum to open
APY not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
Chase
Chase Premier Savings℠
3.0Category avg
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
Not verified yet
Free ATMs
Not verified yet
5,375 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
5,375 branches nationwide
APY not verified yet
Open Account Read Review
Savings
Bank of America
Advantage Savings
2.2Est.
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$8/mo
Free ATMs
Not verified yet
3,824 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $500+ minimum daily balance, or account holder under 25,…
3,824 branches nationwide
APY not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
Citi
Citi Savings / Citi Accelerate Savings
2.9Est.
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$4.50/mo
Free ATMs
Not verified yet
958 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Linking a Citi checking account, a $500+ average balance,…
APY not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
U.S. Bank
Smartly® Savings
2.8Est.
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$5/mo
Free ATMs
Not verified yet
2,099 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Linking a Smartly Checking account or the Smartly Visa…
2,099 branches nationwide
APY not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Savings
PNC Bank
Standard Savings
2.8Est.
APY
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
Monthly fee
$5/mo
Free ATMs
Not verified yet
2,418 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $300+ average monthly balance
2,418 branches nationwide
APY not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source

Best everyday checking11

Ordered by the lowest monthly maintenance fee. Most of the big banks waive theirs, so read the waiver line before assuming you will pay it.

Checking ranking

CheckingNo monthly fee
Capital One
360 Checking
5.0
Monthly fee
$0
Use this APY
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
0.10%
Free ATMs
Not verified yet
255 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
Earns 0.10% APY on your balance
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Chase
Chase Secure Banking℠
3.7
Monthly fee
$4.95
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
5,375 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $250+ in qualifying electronic deposits, or account…
5,375 branches nationwide
$4.95/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Wells Fargo
Clear Access Banking
3.7
Monthly fee
$5
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
4,186 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Account holder aged 13-24
4,186 branches nationwide
$5/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
PNC Bank
Virtual Wallet® (Spend)
3.1
Monthly fee
$7
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
2,418 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $500 combined balance in Spend/Reserve, or $500+ in…
2,418 branches nationwide
$7/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Citi
Citi Checking
1.8
Monthly fee
$12
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
958 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Combined average balance of ~$1,500 across linked Citi…
$12/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
U.S. Bank
Smartly® Checking
1.8
Monthly fee
$12
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
2,099 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Waived for the first 2 statement periods
2,099 branches nationwide
$12/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Chase
Chase Total Checking®
1.0
Monthly fee
$15
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
5,375 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $500+ in qualifying electronic deposits, or a $1,500+…
5,375 branches nationwide
$15/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Wells Fargo
Everyday Checking
1.0
Monthly fee
$15
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
4,186 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Account holder aged 17-24 (among other paths not fully…
4,186 branches nationwide
$15/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Bank of America
Advantage Plus Banking
2.6Category avg
Monthly fee
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
3,824 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $250+/month in qualifying direct deposit
3,824 branches nationwide
Monthly fee not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
Truist
Truist One Checking
2.6Category avg
Monthly fee
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
1,931 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Fee waived for account holders under 25 who provide an…
1,931 branches nationwide
Monthly fee not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Checking
TD Bank
TD Complete Checking
2.6Category avg
Monthly fee
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
1,052 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Fee waived if account holder is 17-23
1,052 branches nationwide
Monthly fee not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source

Certificates of deposit0

A CD locks your money for a fixed term in exchange for a fixed rate. Ordered by the highest verified APY.

CD ranking

We have not verified a single CD yet. CD rates move by term and by state, so publishing one without checking the term, the minimum and the early-withdrawal penalty would be worse than showing nothing. The row stays here, empty and honest, until we have them.

Student & young adult accounts6

Accounts where the fee usually disappears while you are enrolled — and comes back when you age out. The age limit is in the waiver line.

Student ranking

Student accountNo monthly fee
Chase
Chase High School Checking℠
5.0
Monthly fee
$0
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
5,375 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
5,375 branches nationwide
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Student accountNo monthly fee
Bank of America
Bank of America Student Checking
5.0
Monthly fee
$0
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
3,824 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
3,824 branches nationwide
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Student accountNo monthly fee
PNC Bank
Virtual Wallet® Student
5.0
Monthly fee
$0
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
2,418 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
2,418 branches nationwide
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Student accountNo monthly fee
TD Bank
TD Student Checking
5.0
Monthly fee
$0
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
1,052 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
No monthly maintenance fee
1,052 branches nationwide
Opening deposit not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source
Student account
Wells Fargo
Student Checking
1.0
Monthly fee
$5
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
4,186 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: $1,500 minimum daily balance, or 10+ debit card purchases…
4,186 branches nationwide
$5/mo unless you meet the waiver
Open Account Read Review
Figures verified 2026-08-02 · source
Student account
U.S. Bank
Student / Young Adult Checking
4.2Category avg
Monthly fee
Not verified yet
FDIC insured
Fees, access & the fine printHide details
To open
Not verified yet
APY
Not verified yet
Free ATMs
Not verified yet
2,099 U.S. branches
Opening bonus
No current offer verified — check it on the bank's page before you open anything.
Fee waived: Automatic waiver of the $12 fee for account holders aged…
2,099 branches nationwide
Monthly fee not verified yet
Open Account Read Review
Figures verified 2026-08-02 · source

The banks behind these accounts

Our profile for each one, and the bank's own site right next to it — so you can check any figure at the source before you move a dollar.

Full bank directory

Chase
FDIC cert. #628
Official site
Bank of America
FDIC cert. #3510
Official site
Citi
FDIC cert. #7213
Official site
Wells Fargo
FDIC cert. #3511
Official site
U.S. Bank
FDIC cert. #6548
Official site
Marcus by Goldman Sachs
FDIC cert. #33124
Official site
PNC Bank
FDIC cert. #6384
Official site
Truist
FDIC cert. #9846
Official site
Capital One
FDIC cert. #4297
Official site
TD Bank
FDIC cert. #18409
Official site

Your figures

Set your figures once — every button below opens the calculator with them and that bank's verified APY already in.

Your deposit

Added monthly

Years

Kept in this browser only — never sent to us, and not in any analytics event. They travel in the link you click, to financeinyourpocket.com.

What would your deposit actually earn?

Starts at 4.1% — the highest savings APY we have verified across the banks on this page.

Opening deposit

Added each month

Years

APY

See what it earns

Opens Compound Interest Calculator on financeinyourpocket.com with your numbers already filled in. Free, no sign-up.

Default rate: 4.1% APY on the 360 Performance Savings at Capital One, read on the bank's own site and last verified 2026-08-02. Outside a CD a bank can change its rate whenever it likes, so this assumes a rate that is not guaranteed. Interest is ordinary income and your bank issues a 1099-INT once you earn $10 in a year.

Also worth running

Free and no sign-up, on financeinyourpocket.com — our sister site.

Before you open an account

We are an independent comparison platform, not a financial advisor. APY rates and offers are subject to change and may not be available in every state or to every applicant. Rates, fees, minimums and waiver conditions come from the bank's own page on the date shown next to each account — always confirm the current terms with the bank before you apply. Deposit insurance is provided by the FDIC, not by us: check any bank's coverage at fdic.gov.

"Open Account" takes you to the bank's official page. We earn no commission on those links: Bank Compass is funded by advertising, not by the banks listed here. How we rank and verify everything.

Park your money safely. Watch it grow.

How this page is organised

Where the figures come from

What the FDIC badge means

How we make money

Traditional vs. Digital Banks

Every account, category by category

Bank Match

Top high-yield savings11

Best everyday checking11

Certificates of deposit0

Student & young adult accounts6

The banks behind these accounts

Your figures

What would your deposit actually earn?

Also worth running

Related reading

Before you open an account